Your husband has health insurance you What happens when he passes away will be able to covered by a new policy if keep continuous coverage even are diagnosed with serious ill?

COBRA Coverage

- If your husband passes away, you may be able to keep your health insurance through COBRA. COBRA is a federal law that requires employers to offer continued health insurance coverage to employees who lose their coverage due to certain circumstances, such as the death of a spouse.

- You have 60 days from the date your husband's coverage ends to elect COBRA coverage.

- COBRA premiums are typically higher than the premiums you were paying when your husband was alive, but they can still be more affordable than purchasing a new individual policy.

Special Enrollment Period

- If you are not eligible for COBRA, you may be able to purchase a new health insurance policy through a special enrollment period. Special enrollment periods are typically available when you experience a qualifying life event, such as the death of a spouse. - You must apply for a new policy within 60 days of your husband's death.

- Special enrollment period may let you enroll in a health plan outside the normal Open Enrollment Period.

- Be aware of any pre-existing condition exclusions or waiting periods that may apply.

Medicaid or Other Government Program

- If you have low income, you may be eligible for Medicaid or other government health programs.

- These programs can provide comprehensive coverage at little or no cost.

Employer's Survivors Benefits

- Some employers offer survivors benefits, such as continued health insurance coverage, to the families of deceased employees.

- Check with your husband's employer to see if any such benefits are available.

Individual Health Insurance Market

- If you are unable to obtain health insurance through COBRA, a special enrollment period, Medicaid, or other government programs, you can purchase an individual health insurance policy on the individual market.

- Be aware that premiums for individual health insurance policies can be high, and you may have to pay more for coverage if you have a pre-existing condition.

It's important to carefully review your options and make sure that you understand the terms and conditions of any new health insurance policy before enrolling. You may want to consult with a health insurance agent or broker to help you find the best coverage for your needs.